WOLF INFO SEC LIMITED

Executive Summary

Wolf Info Sec Limited demonstrates solid financial health with improving net assets and sufficient liquidity to meet obligations. The closely held structure and micro-entity scale suggest manageable credit risk, supporting an approval for modest credit facilities. Ongoing monitoring of working capital and governance will be important as the business grows.

WOLF INFO SEC LIMITED - Analysis Report

Company Number: 14120192

Analysis Date: 2025-07-29 18:14 UTC

1. Credit Opinion: APPROVE

Wolf Info Sec Limited presents a stable and improving financial position with positive net assets and net current assets, indicating an ability to meet short-term liabilities. The company is in the micro category, showing modest scale but consistent growth in net assets from £5,311 in 2023 to £10,284 in 2024. There are no overdue filings or signs of distress. The sole director and significant controller, Mr. Stuart Rowson, is a consultant with full ownership and control, which suggests close management oversight. Overall, the company appears capable of servicing credit obligations, though the limited operating scale suggests credit facilities should be modest and monitored.

2. Financial Strength

The balance sheet shows low fixed assets (£1,732) but healthy current assets (£28,400) relative to current liabilities (£19,848), resulting in positive net current assets of £8,552 and net assets of £10,284 as of May 2024. The doubling of net assets from the previous year indicates improving equity and retained earnings. Shareholders’ funds mirror net assets, reflecting no external equity. This small and lean capital structure supports a low risk of insolvency but also limits financial flexibility.

3. Cash Flow Assessment

The company’s current asset base, predominantly cash or equivalents, exceeds current liabilities by £8,552, indicating adequate liquidity and working capital to cover short-term obligations. The consistent positive working capital and increase year-over-year reduce liquidity risk. However, the small scale (one employee, one director) means cash flow is closely tied to the director’s management and ongoing business activity. No audit was performed, but micro-entity reporting standards apply, which limits detailed cash flow insight.

4. Monitoring Points

• Maintain close tracking of current liabilities and debtor collection to preserve liquidity.
• Monitor growth in turnover and profitability to support incremental credit increases.
• Watch for any changes in director or ownership structure that could impact governance.
• Ensure timely filing of accounts and confirmation statements to avoid regulatory risk.
• Review any contract or client concentration risks given the consultancy nature of the business.